Asked before the first call, answered in writing.

Start a finance review from any page. It takes a few minutes, involves no credit check, and ends with a conversation with Dayan Kasturiratna and a written position on what is possible and what it would take. You can also call 1300 001 551 or email info@opulentfinance.com.au.

No. The review involves no credit enquiry. A credit check happens only when you decide to proceed with an application to a lender, and we tell you before it is made.

In most cases nothing is charged to you: we are paid commission by the lender on settlement, as disclosed in our Credit Guide and in the credit proposal you receive before proceeding. Where a fee would apply, for example on some private or specialist transactions, we tell you in writing first.

Dayan Kasturiratna, who established Opulent Finance in 2010 and provides the credit assistance on every file, and Ian Webbe, Mortgage Development Manager, who is the first point of contact for enquiries above $10 million. Direct numbers and email addresses are on the Contact page.

Credit assistance is provided by Dayan Kasturiratna, Australian Credit Representative 394747, authorised under Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087. The licensee is a member of the Australian Financial Complaints Authority. Our Credit Guide, Privacy Policy and complaints process are on the Legal page.

It depends on after-tax income, living expenses, existing debts and card limits, tested at your rate plus a buffer of at least 3 percentage points, and then on lender policy for your income type. Our borrowing power tool shows the method and gives an estimate; a review gives you the figure against the lenders we place with, without a credit check.

Yes. A pre-approval is a lender's conditional indication of what it would lend, usually valid for around three months and subject to valuation and unchanged circumstances. We arrange it once the review has settled which lender and structure suit you, so the pre-approval is with the right lender rather than the first one.

Identification, evidence of income (payslips and a recent group certificate or tax return for employees; financial statements, tax returns or alternative documents for the self-employed), recent bank statements, details of existing loans and cards, and the contract of sale if you have one. Each service page lists what its lenders typically ask for, and we send a specific list after the review.

It depends on the lender, the completeness of the application and the time of year, and we do not promise timeframes. What we control is that the application goes in complete, to a lender whose policy fits, which is where most delays are avoided. We tell you the lender's current turnaround when the application is lodged.

Often, yes. Defaults, irregular income, recent self-employment, tax debts and unusual property types are assessed differently by different lenders, including specialist and private lenders. The review sets out which options exist for your position and what each costs. Every application remains subject to the lender's assessment and responsible lending obligations.

Yes. We check eligibility for the first home buyer duty exemptions and concessions in your state, the First Home Owner Grant and the government guarantee schemes, and build them into the funding position. Our stamp duty tool shows the current concessions for every state.

No. Loans above 80% of the value are available with lenders mortgage insurance, a family guarantee or a government guarantee scheme, each with its own conditions. Most lenders want at least 5% of the price as genuine savings when the loan is above 80%.

A rate without its comparison rate, conditions and structure tells you almost nothing, and rates change faster than a website does. Any rate we show you is yours, in writing, with everything attached. Our calculators ask you to enter the rate you have been offered for the same reason.

A fixed rate holds your rate and repayment for a set period, usually one to five years, and limits extra repayments, offset and redraw; leaving early can trigger a break cost. A variable rate can move with the market and carries the flexible features. A split loan holds some of each. Which suits you is a decision about your plans, not a forecast.

Start two to three months before the end date. The options are to ask your lender to reprice, to refix, or to refinance, and all three can be quoted in that window. Left alone, the loan reverts to the lender's variable rate, which is rarely its most competitive. Our fixed rate ending tool shows the repayment change.

If you hold savings, an offset can save more interest than a rate discount and keeps the money accessible. If you do not, the package fee is a cost with no return. The review works out which applies to you.

At least once a year, and whenever something changes: a fixed term ending, a change in income, a plan to buy or sell, or a move into investment. We review existing clients' loans on that basis.

Yes. A refinance review compares your current loan with what is available, including asking your current lender to reprice first, which costs nothing. If moving is worthwhile, we handle the application, the discharge and the settlement. Our refinance savings tool shows the saving, the costs and the break-even.

Typically a discharge fee from your current lender, any fixed rate break cost, application and valuation fees from the new lender (often waived or rebated), and government fees to discharge one mortgage and register another. The saving has to recover those costs; the tool shows how long that takes.

Only if you need the lower repayment. Resetting adds years of interest. A common middle path is to reset for flexibility and keep paying your old repayment, which clears the loan sooner and saves interest.

Yes. Lenders assess self-employed income from tax returns and financial statements, with add-backs for non-cash expenses, or on alternative documents such as BAS and business bank statements where the returns are not yet available. Low doc is never no assessment. The Self-employed and low doc page explains how each income type is read.

With some lenders, yes: reduced or waived lenders mortgage insurance at higher LVRs for listed professions, and income policies that recognise registrar, locum and practice income. Eligibility lists differ by lender and are confirmed before an application is written.

Yes, through a limited recourse borrowing arrangement, with a larger deposit than a personal loan and a lender test of the fund's liquidity after settlement. Residential property cannot be used by members; business premises leased to a member's business at market rent can. We arrange the lending; we do not advise on whether to establish an SMSF or invest through super.

We provide credit assistance for investment property lending: structuring the loans, the securities and the lenders across a portfolio so the position can grow. We do not provide tax, legal or financial advice, and we work alongside your accountant on the tax questions a structure raises. The Portfolio Review is the service for portfolios of $10 million and above.

Yes: commercial property loans for owner-occupiers and investors, working capital and cash flow facilities, equipment and asset finance, and finance for business acquisitions and premises. The Business and commercial page sets out each type and what lenders look for.

Yes: construction and development loans from banks and non-bank lenders, GRV-based facilities, mezzanine, and private lending for urgent or unconventional transactions with a clear exit. Purpose is documented on every private loan, because business purpose does not by itself remove consumer credit regulation.

Commonly a margin on total development cost of around 15% to 25%, depending on the project, the presales and the lender. The figure is a lender decision, not a rule. Our development feasibility tool shows the margin and the residual land value for the figures you enter.

We have access to more than 50 lenders through our lender and aggregator network: major banks, regional and mutual banks, non-bank and specialist lenders, and private funders. Which of them suit a file depends on policy fit, and the credit proposal sets out the lenders considered and why one was recommended.

A bank can offer its own products. We compare across the network, and the same person, Dayan Kasturiratna, reads the whole position, from a first home to a $10 million portfolio or a development, and stays with the file. Established in 2010, more than $1 billion in lending settled, 97.5% client retention.

Yes. Loans are reviewed at least annually and at any change: a fixed term ending, a purchase or sale, a change in income, a move into investment. The review is part of how we work, not a separate service.

Contact Dayan Kasturiratna directly first, by phone or email. If the matter is not resolved to your satisfaction through our internal process, you can take it to the Australian Financial Complaints Authority. The steps and timeframes are set out on the Legal page and in the Credit Guide.